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Credit cards

Bank of Maharashtra Secured Credit Card

An -backed platinum credit card with no income proof or credit history requirement, lifetime-free pricing, lounge access and reward points.

CashbackNo cashback programme is published; the page lists reward points instead.RewardsOne reward point for every ₹100 spent, or multiple thereof; points can be converted into e-vouchers or merchandise.Annual feeLifetime free; no annual fee is published.
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Quick eligibility check

Bank of Maharashtra Secured Credit Card

0 of 7 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Does your annual income meet this requirement: the published eligibility is FD-backed rather than salary-based?

Published source: Minimum income

2Does your age meet this requirement: Minimum age 18?

Published source: Eligibility

3Can you provide a fixed deposit of at least ₹12,500?

Published source: Eligibility

4Document checkDo you have this required document or proof: Bank of Maharashtra fixed deposit?

Published source: Eligibility

5Document checkDo you have this required document or proof: KYC documents including PAN and Aadhaar?

Published source: Eligibility

6Document checkDo you have this required document or proof: No income proof required?

Published source: Minimum income

7Document checkDo you have this required document or proof: The page says upper-age relaxation is available and no income proof is required?

Published source: Eligibility
0 of 7 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
Offered byBank of Maharashtra

India; Bank of Maharashtra customers

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Card typeFD-backed platinum secured credit card.View source
The page calls it an backed platinum credit card.
Source
Secured Credit Card
Page / section
Product introduction
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum incomeNo income proof required; the published eligibility is FD-backed rather than salary-based.View source
Benefits say no income proof is required; eligibility specifies the minimum instead.
Source
Secured Credit Card
Page / section
Benefits and eligibility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum age18 years.View source
Minimum age is 18 years.
Source
Secured Credit Card
Page / section
Eligibility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Minimum fixed deposit₹12,500 freehold fixed deposit with Bank of Maharashtra.View source
The page specifies a minimum freehold amount of Rs.12500.
Source
Secured Credit Card
Page / section
Eligibility
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Annual feeLifetime free; no annual fee is published.View source
The page states lifetime free credit card.
Source
Secured Credit Card
Page / section
Fees and charges
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Fuel surcharge waiverUp to ₹200 per month.View source
Fuel surcharge waiver is capped at Rs.200 per month.
Source
Secured Credit Card
Page / section
Other benefits
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Airport lounge accessDomestic airport lounge access at select 30+ lounges, twice per quarter.View source
The page publishes select 30+ lounges and twice per quarter.
Source
Secured Credit Card
Page / section
Other benefits
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
RewardsOne reward point for every ₹100 spent, or multiple thereof; points can be converted into e-vouchers or merchandise.View source
The published rewards row states one point per Rs.100 or multiple thereof.
Source
Secured Credit Card
Page / section
Other benefits
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EMI conversionExpenses greater than ₹2,500 can be converted to EMI; gold/jewellery purchases are excluded.View source
The page specifies the ₹2,500 threshold and gold/jewellery exclusion.
Source
Secured Credit Card
Page / section
Other benefits
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Add-on cardsFree add-on cards.View source
The page states free add-on cards.
Source
Secured Credit Card
Page / section
Other benefits
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
NetworkNot published on the reviewed secured-card page.View source
The complete product page does not name a card network.
Source
Secured Credit Card
Page / section
Complete page reviewed
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
EligibilityMinimum age 18. Applicant must maintain a freehold Bank of Maharashtra fixed deposit of at least ₹12,500. The page says upper-age relaxation is available and no income proof is required.View source
Minimum age 18. Applicant must maintain a freehold Bank of Maharashtra fixed deposit of at least ₹12,500. The page says upper-age relaxation is available and no income proof is required.
Source
Bank of Maharashtra Secured Credit Card — official eligibility and network details
Page / section
Application guidelines / card network
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Fee waiverNot applicable: the card is published as lifetime free, so no spend-based waiver threshold is listed.View source
Lifetime-free pricing is stated; no separate waiver condition is published.
Source
Secured Credit Card
Page / section
Fees and charges
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
APRNot published on the complete secured-card page.View source
The page describes an interest-free credit period but gives no fee-inclusive calculation.
Source
Secured Credit Card
Page / section
Complete page reviewed
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Monthly finance chargeNot published on the complete secured-card page.View source
No monthly finance-charge or revolving-interest rate appears.
Source
Secured Credit Card
Page / section
Complete page reviewed
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
Forex markupNot published on the complete secured-card page.View source
The page publishes domestic use, lounge and fuel benefits but no foreign-currency markup.
Source
Secured Credit Card
Page / section
Complete page reviewed
Accessed
31 Aug 2026
Confidence
high
Open official source ↗
CashbackNo cashback programme is published; the page lists reward points instead.View source
Rewards are described as one point per ₹100 spent; no cashback rate or offer is stated.
Source
Secured Credit Card
Page / section
Other benefits
Accessed
31 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • -backed platinum card
  • No credit history required
  • No income proof required
  • Lifetime free
  • Instant approval
  • Fuel-surcharge waiver up to ₹200 per month
  • Domestic airport lounge access at select 30+ lounges twice per quarter
  • One reward point per ₹100 spent
  • Free add-on cards
  • conversion for transactions above ₹2,500

Eligibility

  • Minimum age 18. Applicant must maintain a freehold Bank of Maharashtra fixed deposit of at least ₹12,500. The page says upper-age relaxation is available and no income proof is required.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Bank of Maharashtra fixed deposit
  • documents including and Aadhaar

Related official documents

Secured Credit Card - Features, Eligibility and Activationofficial-product-page · current · accessed 31 Aug 2026
↗

Plan before applying

Try the numbers

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Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

Interest added for one month₹1,750one thousand seven hundred fifty rupees
Balance after that interest₹51,750fifty-one thousand seven hundred fifty rupees
Monthly rate × 1242%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Type · Published detail-backed platinum credit card

This value is copied from Bank of Maharashtra Secured Credit Card — complete published details. Check the table notes before relying on it.

Source: Secured Credit Card · Complete page Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 11 rows · 2 columnsBank of Maharashtra Secured Credit Card — complete published detailsView tableHide table

Scroll sideways to view every column

Bank of Maharashtra Secured Credit Card — complete published details
SectionPublished detail
Type-backed platinum credit card
Credit history/income proofNo credit history required; no income proof required
FeeLifetime free
AgeMinimum 18 years; upper-age relaxation noted
Minimum ₹12,500 freehold with Bank of Maharashtra
Fuel surchargeWaiver up to ₹200 per month
LoungeDomestic access at select 30+ lounges, twice per quarter
Rewards1 reward point per ₹100 spent; redeem for e-vouchers/merchandise
Transactions above ₹2,500; gold/jewellery purchases excluded
Add-on cardsFree
DocumentsBank of Maharashtra ; and Aadhaar
Secured Credit Card · Complete page · accessed 31 Aug 2026Open official source ↗